As a condo owner, you might wonder what type of natural disasters are covered in your condo insurance policy and how to make a claim if you experience one.

Accidental Fire

If your condo is involved in an accidental fire caused by something in the wiring or lightning, then your condo insurance will assist you with the damage that you suffer. If your condo isn’t the only one affected, and a shared wall with another condo owner is involved, you may also have to get your condo HOA insurance policy involved.

Hail Damage

One of the more disastrous natural disasters that come out of nowhere is hail storms. They are sporadic and sometimes bring down large pieces of hail out of the sky. They can do extensive damage to the siding and roof, which your personal condo insurance policy covers.

Windstorm

If your condo experiences damage from a windstorm in the area, you can get coverage to repair the damages and replace any damaged property. In these cases, you’ll likely need a siding repaired, and you could need windows replaced if items were blown through them and caused them to shatter.

Ice and Snow

Sometimes, severe damage can result from ice and snow. When the temperature gets too cold, and the weight of the snow turns to ice, it starts to break down the roof beneath it. This could cause the roof to fall or have holes where there are leaks. Your condo insurance policy will cover these expenses and help you with repairs or getting a new roof.

If you are in the market for a new condo insurance policy, contact Blue Hen Insurance LLC today for a personal quote. We serve customers in and around the Middletown, DE, area.